Avici Card Review 2026
Last reviewed · against issuer documentation
How this rating is calculated · Algorithmic score, not user reviews
Independently reviewed by Mihail B. · how we verify
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Card Overview
Avici asks you to prefund 100% USDC collateral and pays nothing back: there is no cashback at all. What you get instead is a Visa Signature that stays self-custodial, with zero Avici-side transaction fees (Visa's own ~0.4-1% cross-border charge still applies), deposits from twelve chains including Solana, Base and Arbitrum, and USD or EUR virtual accounts on SWIFT and SEPA rails behind Persona KYC plus a 35 USDC fee. Geography is the odd part: 48 countries including 31 US states, Brazil, Japan and the UAE, but no Europe and no UK. Pricing runs 10 dollars for Virtual Platinum, then 30 the first year and 20 after for Signature. Where it fits is narrow: self-custody purists in the Americas or APAC who can live with a card that pays nothing back.
Avici Card brings true self-custody to global payments with a Visa Signature card that never requires you to give up control of your crypto. Supporting 8+ blockchains with automatic token-to-USDC conversion, Avici offers zero transaction fees, premium Visa benefits, and integrated USD/EUR banking accounts. Spend confidently worldwide while your collateral remains securely in your own smart contract.
This is a Visa crypto card. It uses a self-custody model. Available to US residents.
Fees & Limits
| Issuance Fee | Virtual Platinum $15 first card, $10 each subsequent (one-time); $30/yr Virtual Signature (then $20/yr); Physical Platinum $50 one-time; Physical Signature $75 (then $20/yr from second year) |
|---|---|
| Annual Fee | $20/year (Signature/Physical after first year) |
| FX Fee | 0% Avici fee (only Visa's ~0.4-1% standard cross-border fee) |
| ATM Limit | Not available (virtual card focus) |
| Spending Limit | Up to available USDC collateral |
These figures can change. Confirm the current fees, FX and network in Avici’s official terms before you apply.
Features
- Card Type: Virtual + Physical
- Top up with: Multi-chain: Solana, Ethereum, Polygon, Arbitrum, Optimism, Base, BSC, Avalanche (40+ tokens)
- Available Countries: 48 countries including US (31 states), Argentina, Australia, Brazil, Hong Kong, Japan, Mexico, Singapore, Thailand, UAE; NOT available in Europe or UK
Banking & Fiat Rails
IBAN: Yes (SEPA EUR); USD via ACH/Fedwire; SWIFT not mentioned in docs. Virtual accounts open free ($0); per transfer: ACH $1, wire $15, SEPA €1
Who issues the Avici Card
Avici Card does not name its issuer outright, and on the documents we could reach, the sponsor appears to be Third National (Nimbus LLC), USA — Puerto Rico money transmitter (NMLS #2612780); a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policy — inferred from the program manager, not stated by the issuer itself. — inferred via Rain.
All cards issued by Third National (Nimbus LLC) · Why the issuer matters
Supported Cryptocurrencies
You can load the Avici Card with crypto; the 4 assets we track for it are listed below. When you pay, the card converts crypto to local fiat automatically.
Networks & deposit details: Ethereum, Polygon, Optimism, Base, Arbitrum, Avalanche, BNB Chain, Monad, Mantle, Abstract, Scroll, Solana (12 chains)
Who Is the Avici Card Best For?
The Avici Card is a good fit for DeFi users and privacy-focused holders who want to keep their own keys until they actually spend.
It lets you spend crypto at millions of merchants without converting everything to fiat first.
The card is currently available in USA, Latin America, Asia-Pacific, Middle East; not available in Europe or the UK, so it works for residents and travellers in those areas.
Best for
- DeFi users who want to hold their own keys
- US residents who want a crypto spending card
Avoid if
- You want a card that earns cashback
- You're based in Europe (this card is US-only)
Compare the Avici Card side-by-side with alternatives using the full card listing or explore our Visa crypto cards category.
Pros & Cons
Pros
- Zero transaction fees; multi-chain support; Visa Signature benefits; true self-custody; automatic DEX conversion
- Works wherever Visa is accepted worldwide
- Self-custody: you keep your private keys until you spend
- Covers the European Economic Area (EEA)
- Virtual card ready right away, no shipping wait
- Banking rails: IBAN / SEPA / SWIFT support
Cons
- No cashback rewards; requires 100% USDC collateral; limited geographic availability; early-stage platform
- Card issuance fee: Virtual Platinum $15 first card, $10 each subsequent (one-time); $30/yr Virtual Signature (then $20/yr); Physical Platinum $50 one-time; Physical Signature $75 (then $20/yr from second year)
- Annual fee: $20/year (Signature/Physical after first year)
- Only available in certain regions
How to Get the Avici Card
Here is what the sign-up process looks like, from application to first purchase.
Create a Avici account
A few minutesGo to the Avici website or download the app. Sign up with your email, pick a password, and accept the terms.
Check which tier needs verification
Depends on tierAvici Card has a limited no-KYC tier, so basic use doesn't require identity documents. Higher limits or extra features may still ask for ID — the app shows what each tier requires.
Fund your card
Usually instantLoad your card with Multi-chain: Solana, Ethereum, Polygon, Arbitrum, Optimism, Base, BSC, Avalanche (40+ tokens) through the funding screen. When you make a purchase, your crypto converts to local fiat at the current rate.
Start spending immediately
InstantYour virtual Avici Card shows up in the Avici app right away. Use it online or add it to Apple Pay / Google Pay for tap-to-pay in stores.
Requirements
Regional Availability
Available Across the EEA
The Avici Card covers the EU member states plus Iceland, Liechtenstein, and Norway. If you're in the UK, check with the issuer about post-Brexit availability.
Key supported countries:
Common questions about the Avici Card
What are the fees for the Avici Card?
Where is the Avici Card available?
What cryptocurrencies does the Avici Card support?
What are the Avici Card's ATM and spending limits?
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